Home Equity Tools
Roll high-rate debt into one lower payment.
Enter your mortgage, credit cards, and loans. See monthly savings, break-even point, and 5-year net benefit of a cash-out refi — compared to what you pay now.
5-Day Digital HELOC
Cash-Out to 80% LTV
Investment Properties OK
No Tax Returns (DSCR)
Debt Consolidation Analyzer
Cash-out refi to clear high-rate debt
Current Mortgage
Home Value
$
Mortgage Balance
$
Current Rate
%
Remaining Term
yr
Debts to Consolidate
Credit Card Balance
$
CC Rate
%
Other Loans Balance
$
Other Loan Rate
%
New Loan
New Refi Rate
%
Closing Costs
$
Monthly Savings
--
--
CALCULATING
Break-Even
--
5-Year Net
--
New LTV
--
Before vs After Payments
Mortgage
Cards
Loans
Cumulative Savings (60 Mo)
Use your equity to reset the debt
Cash-out refi or 5-day HELOC. We close fast.
Common Questions
Frequently Asked
Should I do a cash-out refi or a HELOC?
If your current rate is low, a HELOC preserves it and only borrows against equity for the high-rate debt. Our 5-day digital HELOC closes without an appraisal in most cases. If your existing rate is already high, a full cash-out refi can make more sense.
What's the max LTV for a cash-out refi?
Conventional limits at 80% LTV. FHA at 80% on primary residences. DSCR investment property cash-out typically 70-75%.
Is it worth refinancing if my current rate is 3%?
Rarely. The math almost always favors a standalone HELOC. This calculator shows that clearly — when the existing rate is below the new rate, savings go negative.
How fast can a HELOC close?
Our digital HELOC closes in as little as 5 business days on eligible properties in Florida and Texas. No in-person appraisal in most cases.
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